Free Credit Report

Your Credit Report, online and FREE of charge

See more than lenders can see. Check your file before applying for credit or for a job.  Keep an eye on your credit file to help spot early signs of identity theft.  Peace of mind, all free.

Not a 'free trial'

Please don't confuse this genuine offer with other Free Credit Report websites which sign you up for an expensive subscription in the hope that you'll forget to cancel within a short period (which, because of human nature, many forget to do). We charge a small, one-off setup fee of £2.50 towards the costs we incur in authenticating you, and that's it.

Instant Online Access

As part of the setup process, we will attempt to authenticate you online by asking you questions that only you should know the answers to. To have the best chance of success, make sure you have your financial records handy, and your most recent bank statement. Get the questions right and you'll have instant access to your credit report. The questions are reassuringly tough. If you don't answer them correctly, we'll send a special code to you by post to the address we are searching, to confirm that you are where you say you are.

FREE update once a year

Not just a one-off trial. We provide your credit report now, and every year afterwards. You can keep track of your financial fortunes - and guard against impersonation fraud. Premium Members can get credit reports more frequently at market leading prices.

What's included?

Your full credit report from one of the UK's principal credit reference agencies, based on your current address. No credit report will report every one of your financial commitments - each credit reference agency report only ever shows those lenders who report your credit history to that particular agency - but we think you'll find that a credit report from annualcreditreport is usually one of the most comprehensive of all, with unbeatable detail on your payment history.

All online, accessible 24 hours a day and laid out in an easy-to-understand way. We also match up your credit report with lenders, so you can get cheap credit from lenders who are likely to say 'yes'.

What's the catch?

All we ask is that you receive our monthly email giving tips on credit and how to avoid falling victim to identity theft. That's it.

Who is Credit Reporting Agency?

We are an independent provider of online credit reports.  We were the first in the UK to provide consumers with access to online credit reports.  We are a fully registered credit reference agency, licensed with the Office of Fair Trading and registered with the Office of the Information Commissioner.